[Hiring] Life Underwriting Consultant @Securian Financial

Role Description

The Life Underwriting Consultant is responsible for evaluating life insurance applications and selecting risks that align with company profitability objectives while maintaining a competitive position in the marketplace and delivering fair, equitable outcomes for applicants. This role reviews, analyzes, and classifies new business, changes, reinstatements, and inquiries with a high degree of accuracy and timeliness. The Life Underwriting Consultant operates as a trusted partner to distribution, a key contributor to team performance, and a subject matter expert within the underwriting team.

• Risk Assessment & Decisioning
  • Evaluate applications within assigned authority by analyzing medical, financial, and lifestyle risk factors to determine acceptability and appropriate classification.
  • Exercise sound judgment to identify potential fraud and ensure compliance with underwriting guidelines.
  • Make timely and accurate decisions while balancing risk selection, competitiveness, and customer experience.
  • Recommend decisions and provide clear rationale on cases outside authority or of higher complexity.
• Case Management & Execution
  • Order only necessary and appropriate requirements to efficiently assess risk.
  • Manage workload to consistently meet or exceed productivity and quality expectations.
  • Approve applications up to established authority limits (e.g., up to $3M all ages and ratings).
  • Collaborate with reinsurers as needed for rated cases.
• Field & Partner Relationship Management
  • Build and maintain strong relationships with brokers, advisors, and internal partners.
  • Communicate underwriting decisions clearly, professionally, and empathetically to foster trust and encourage future business.
• Process Improvement & Organizational Contribution
  • Identify opportunities to improve underwriting processes and enhance the customer experience.
  • Contribute to departmental initiatives and special projects as directed.
  • Provide insights and solutions to management regarding team, workflow, or operational challenges.

Qualifications

• Bachelor’s degree or equivalent experience
• Minimum of 3 years of life underwriting experience
• Demonstrated expertise in substandard underwriting
• Underwriting knowledge across medical and financial risk assessment
• Strong decision-making skills with the ability to act independently in real time
• Proven ability to analyze complex cases and apply sound judgment
• Effective written and verbal communication skills
• Ability to document rationale clearly and consistently
• Proficiency in financial underwriting, including business cases
• Understanding of reinsurance principles and when to engage partners
• Results-oriented with a focus on quality and productivity
• Agile mindset with a focus on continuous improvement and innovation

Preferred Qualifications

• Industry designations (FLMI, FALU, CLU)

Preferred Skills

• Customer Service
• Decision Making
• External Communication
• Internal Communications
• Multitasking
• Relationship Management

Benefits

• Paid time off: Flexibility for associates to take meaningful time away from work.
• Leave programs: Flexible leave for parental, caregiver, bereavement, and military leave.
• Holidays: Nine company paid holidays.
• Company-funded pension plan and a 401(k) retirement plan: Securian’s 401(k) company contribution is tied to performance.
• Health insurance: Medical, dental, and vision coverage from the first day of employment.
• Volunteer time: Encouragement to support organizations important to you.
• Associate Resource Groups: Build connections and develop meaningful relationships at work.